Approximately 35% is based on this data, which includes:
About 30% evaluates how much debt you have:
15% is about this topic. A more extensive credit history generally increases your score.
10% is calculated by this information. Research shows that opening several credit accounts in a short time period represents greater risk.
To calculate a score, your credit file must contain:
When you apply for credit, you authorize those lenders to obtain a copy of your report from an agency, creating an inquiry. The only inquiries relevant to your score are credit checks when you've applied for new loans.
No. Lenders will look at your score, the amount of debt you can reasonably handle given your income, your employment history, your credit history & other variables.
It depends on the type of negative information, but here's a breakdown: